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Overview / Commentary
903-657-2577
130 North Marshall Street
Henderson, TX 75652

Henderson Federal Savings Bank is headquartered in Henderson and is the 356th largest bank in the state of Texas. It is also the 4,466th largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 21 employees at 1 location. Henderson Federal Savings Bank's money market rates are 14% higher than the national average, and it has a B health rating.

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Henderson Federal Savings Bank had $2.96 million in non-current loans and owned real-estate with $19.68 million in equity and loan loss allowances on hand to cover it. This gives Henderson Federal Savings Bank a Texas Ratio of 15.06% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Henderson Federal Savings Bank experienced no significant changes from 16.09% as of December 31, 2012 to 15.06% as of December 31, 2013, resulting in a positive change of 6.44%.This indicates that the balance sheet and financial strength for Henderson Federal Savings Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Henderson Federal Savings Bank has decreased its total deposits by $-273,000, resulting in -0.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Henderson Federal Savings Bank has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Henderson Federal Savings Bank has $111.73 million in assets with $19.68 million in equity, resulting in a capitalization level of 17.61%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #29241
Year Established1934
Employees21
Primary RegulatorOCC
Assets and Liabilities
Assets$111.73 million
Loans$75.14 million
Deposits$92.36 million
Equity Capital$18.82 million
Loan Loss Allowance$861,000
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$643,000
Historic Data - December 2012
Assets$111.24 million
Equity Capital$17.81 million
Loan Loss Allowance$735,000
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$554,000
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets1.01%
Return on Equity6.17%
Interest Income$5.23 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Henderson Federal Savings Bank, we are a rate comparison website and can not provide official rates or promotions.

Henderson Federal Savings Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$500-Statement Saving Account

Henderson Federal Savings Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Money Market Deposit Account

Henderson Federal Savings Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$500-Freedom Checking Account
0.25%$1k-Super NOW Checking Account
0.20%$500-NOW Checking Account

Henderson Federal Savings Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.86%$500-60 Month CD
1.51%$500-48 Month CD
1.21%$500-36 Month CD
1.01%$500-30 Month CD
0.90%$500-24 Month CD
0.70%$500-18 Month CD
0.70%$500-21 Month CD
0.60%$500-12 Month CD
0.60%$500-15 Month CD
0.50%$500-6 Month CD
0.50%$500-9 Month CD
0.35%$500-91 Day CD

Henderson Federal Savings Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.86%$500-60 Month IRA (Traditional,Roth,CESA)
1.51%$500-48 Month IRA (Traditional,Roth,CESA)
1.21%$500-36 Month IRA (Traditional,Roth,CESA)
1.01%$500-30 Month IRA (Traditional,Roth,CESA)
0.90%$500-24 Month IRA (Traditional,Roth,CESA)
0.70%$500-18 Month IRA (Traditional,Roth,CESA)
0.70%$500-21 Month IRA (Traditional,Roth,CESA)
0.60%$500-12 Month IRA (Traditional,Roth,CESA)
0.60%$500-15 Month IRA (Traditional,Roth,CESA)
0.50%$500-6 Month IRA (Traditional,Roth,CESA)
0.50%$500-9 Month IRA (Traditional,Roth,CESA)
0.35%$500-91 Day IRA (Traditional,Roth,CESA)
Locations


Henderson Federal Savings Bank Locations
Henderson Federal Savings Bank130 North Marshall StreetHenderson, TX 75652